Truck drivers have similar challenges as fulltime RVers when it comes to trying to secure health insurance that is both affordable and flexible enough to provide nationwide coverage. Over the Road (OTR) drivers in particular have a challenge when they are long miles from their home state and need medical care.
Some trucking companies offer their employed or contracted drivers health insurance options but that coverage might come at a high cost to the driver or be lacking in benefits.
So How Does a Trucker Go About Getting The Best Medical Insurance?
Well the answer depends on a few factors. We explore those below…
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Truckers on Medicare
Either over age 65 or on disability
If you have Medicare then you are way ahead of the game because the Original Medicare program already provides you with access to medical providers nationwide through the Medicare participation program. Regardless of the hype out there that doctors are leaving the Medicare program in droves, the fact remains that 9 out of 10 doctors still take Medicare, according to Forbes. So, the best thing to do if you are a trucker on Medicare is to make sure you keep Original Medicare intact. Here’s how…
Keep Original Medicare and Get a Medicare Supplement Insurance Plan
When you turn 65, if you worked and paid taxes for at least 40 quarters (10 years) as a US citizen then you automatically qualify for Original Medicare Parts A and B. However, even though this coverage is good it is not comprehensive and most people who retain Original Medicare end up getting a Medicare Supplement insurance plan (or Medigap as it is also called) in order to fill in the “gaps” Medicare leaves open. Medigap plans are standardized by the federal government; so most of the plans offered in each state are the same (with a few exceptions) and all plans with letters A-N are identical by law. With Original Medicare plus a good Medicare Supplement plan like Plan G plus Medicare Part D for prescriptions (more on that below) a truck driver (or anyone for that matter) would be covered very well!
Truckers not on Medicare
Typically under age 65
For drivers that do not qualify for Medicare things are a little more complicated. Nevertheless, we believe we have some good options for you to consider that are working very well for our recreational vehicle dwellers. All of the options that we offer our community of RVers are also available to you as a truck driver. So, we recommend heading on over to our Health Plan Options Guide to view the options we offer. If you prefer to speak with us about your options on the phone then you are welcome to contact us and we will reach out to you directly.
Thanks for visiting and we appreciate the work you do as a trucker…keeping things moving for all of us!